Banking & Finance 28 May 2025

Top Payment Gateways in India

Here are some of the top payment gateways in India as of 2025, widely used for online and offline transactions:

1. Razorpay

  • Key Features: Supports multiple payment modes (UPI, cards, wallets, net banking), robust APIs, and subscription billing.
  • Best For: Startups, e-commerce, SaaS.
  • USP: Quick onboarding, user-friendly dashboard, and automation tools.

2. Paytm Payment Gateway

  • Key Features: High UPI penetration, wallet integration, recurring payments.
  • Best For: Businesses targeting a mobile-first Indian audience.
  • USP: Paytm Wallet integration, broad user base.

3. Cashfree Payments

  • Key Features: Instant refunds, split payments, recurring payments, banking APIs.
  • Best For: Enterprises and platforms needing advanced payout capabilities.
  • USP: Fastest settlements (as quick as 15 minutes).

4. PhonePe Payment Gateway

  • Key Features: Strong UPI infrastructure, supports various payment methods.
  • Best For: Businesses focused on mobile commerce.
  • USP: Seamless UPI experience, wide adoption.

5. CCAvenue

  • Key Features: Multiple language support, international card acceptance, EMI options.
  • Best For: Enterprises and global merchants.
  • USP: One of the oldest and most trusted gateways in India.

6. Instamojo

  • Key Features: Payment links, store builder, subscriptions.
  • Best For: Freelancers, small businesses, creators.
  • USP: Ease of use, no developer skills needed.

7. BillDesk

  • Key Features: Trusted for utility and recurring payments.
  • Best For: Large businesses and government payments.
  • USP: Stability, government partnerships.

8. PayU

  • Key Features: Smart routing, high success rate, anti-fraud tools.
  • Best For: Medium to large businesses.
  • USP: Global reach, strong analytics.

9. Juspay

  • Key Features: One-click payments, UPI integrations, tokenization.
  • Best For: Apps and companies focusing on superior checkout experiences.
  • USP: Custom UI SDKs, used by top apps like Amazon and Swiggy.

10. Stripe (India)

  • Key Features: Developer-friendly APIs, global payments, subscription tools.
  • Best For: SaaS and international companies.
  • USP: Excellent for cross-border payments, top-notch documentation.


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